我要评论 1 using system;
2 using system.collections.generic;
3 using system.linq;
4 using system.text;
5 using system.threading.tasks;
6 using system.drawing;
7 using system.reflection;
8 using system.net.networkinformation;
9
10 namespace play
11 {
12 class program
13 {
14 //短期利率与长期利率
15 double lowrate = 0;
16 double highrate = 0;
17
18 //keyvaluepair<datetime, >;
19 datetime dt1 = new datetime(2015, 3, 1);
20 datetime dt2 = new datetime(2015, 5, 11);
21 datetime dt3 = new datetime(2015, 6, 28);
22 datetime dt4 = new datetime(2015, 8, 26);
23 //贷款金额
24 static double totalmoney, balance;
25
26 static string choice;
27 static string newchoice;
28 //期数
29 int n;
30 //月供
31 double paymonth;
32 double rate;
33 double interest;
34 /// <summary>
35 /// 用来构建欢迎界面
36 /// </summary>
37 void paint()
38 {
39 console.writeline("***************************");
40 console.writeline("***************************");
41 console.writeline("***************************");
42 console.writeline("欢迎使用房贷计算器");
43 console.writeline("***************************");
44 console.writeline("***************************");
45 console.writeline("***************************");
46
47 console.writeline("请按任意键继续");
48 console.readkey();
49 console.clear();
50 }
51 /// <summary>
52 /// 按日期选择利率
53 /// </summary>
54 /// <param name="dt">输入的日期</param>
55 void ratechoose(datetime dt)
56 {
57 if (dt >= dt4)
58 {
59 lowrate = 0.0275;
60 highrate = 0.0325;
61 }
62 else if (dt >= dt3)
63 {
64 lowrate = 0.03;
65 highrate = 0.035;
66 }
67 else if (dt >= dt2)
68 {
69 lowrate = 0.0325;
70 highrate = 0.0375;
71 }
72 else if (dt >= dt1)
73 {
74 lowrate = 0.035;
75 highrate = 0.04;
76 }
77 else
78 {
79 console.writeline("你输入的日期不在范围内");
80 console.readkey();
81 environment.exit(0);
82 }
83 }
84 /// <summary>
85 /// 计算月供
86 /// </summary>
87 void payment(datetime dt)
88 {
89 //设置缓冲区高度，即设置显示的最大行数
90 console.bufferheight = 1000;
91 ratechoose(dt);
92 switch (choice)
93 {
94 case "1":
95 {
96 //等额本息，月供计算方法
97 for (n = 1; n <= 360; n++)
98 {
99
100
101 if (n <= 60)
102 {
103 rate = lowrate;
104 }
105 else
106 {
107 rate = highrate;
108 }
109 //计算月供
110 double p;
111 p = rate / 12;
112 paymonth = (p * totalmoney * math.pow((1 + p), n)) / ((math.pow(1 + p, n) - 1));
113 //利息
114 interest = n * paymonth;
115 if (n % 2 == 0)
116 {
117 console.foregroundcolor = consolecolor.blue;
118 }
119 else
120 {
121 console.foregroundcolor = consolecolor.white;
122 }
123 console.writeline("{0}期按揭贷款的月供是{1:0.00}元，总利息是{2:0.00}元", n, paymonth, interest);
124
125 }
126 }
127 break;
128 case "2":
129 {
130 //等额本金，月供计算方法
131 for (n = 1; n <= 360; n++)
132 {
133 if (n <= 60)
134 {
135 rate = lowrate;
136 }
137 else
138 {
139 rate = highrate;
140 }
141 //计算月供
142 double p;
143 p = rate / 12;
144 paymonth = (totalmoney / n) + totalmoney * p;
145 interest = ((totalmoney / n + totalmoney * p) + totalmoney / n * (1 + p)) / 2 * n - totalmoney;
146 console.writeline("{0}期按揭贷款的首月还款额是{1:0.00}元,总利息是{2:0.00}元", n, paymonth, interest);
147 }
148 }
149 break;
150 }
151 }
152
153 /// <summary>
154 /// 月贷计算方法
155 /// </summary>
156 /// <param name="n">还款期数</param>
157 void compute(int n)
158 {
159 console.writeline("期次\t\t偿还利息\t\t偿还本金\t\t还款额\t\t剩余本金");
160 switch (choice)
161 {
162
163 case "1":
164 //等额本息法计算房贷
165 {
166 if (n <= 60)
167 {
168 rate = lowrate;
169 }
170 else
171 {
172 rate = highrate;
173 }
174
175 double p;
176 p = rate / 12;
177 paymonth = (p * totalmoney * math.pow((1 + p), n)) / ((math.pow(1 + p, n) - 1));
178 for (int i = 1; i <= n; i++)
179 {
180 //string s = i.tostring();
181 interest = totalmoney * p;
182 double capital = paymonth - interest;
183 totalmoney -= capital;
184 console.writeline("{0}\t\t{1:0.00}\t\t{2:0.00}\t{3:0.00}\t{4:0.00}", i, interest, capital, paymonth, totalmoney);
185 }
186 }
187 break;
188 case "2":
189 //等额本金法计算房贷
190 {
191 if (n <= 60)
192 {
193 rate = lowrate;
194 }
195 else
196 {
197 rate = highrate;
198 }
199 double p;
200 p = rate / 12;
201 double capital = totalmoney / n;
202 for (int i = 1; i <= n; i++)
203 {
204
205 interest = totalmoney * p;
206 paymonth = capital + interest;
207 totalmoney -= capital;
208
209 console.writeline("{0}\t\t{1:0.00}\t\t\t{2:0.00}\t\t{3:0.00}\t{4:0.00}", i, interest, capital, paymonth, totalmoney);
210 }
211 }
212 break;
213
214 }
215 }
216 /// <summary>
217 /// 计算还款状况
218 /// </summary>
219 /// <param name="n0">还款期数</param>
220 /// <param name="dt">首次还款时间</param>
221 void repayment(int n0, datetime dt)
222 {
223 balance = totalmoney;
224 datetime dt0 = dt;
225 double rate0;
226 double capital;
227 double p;
228 console.writeline("还款时间\t\t偿还利息\t\t偿还本金\t\t还款额\t\t剩余本金");
229 switch (choice)
230 {
231 case "1":
232 {
233
234 ratechoose(dt0);
235 if (n0 <= 60)
236 {
237 rate0 = lowrate;
238 }
239 else
240 {
241 rate0 = highrate;
242 }
243 n = n0;
244 for (int i = 1; i <=n0; i++)
245 {
246 ratechoose(dt);
247 rate = (n0 <= 60 ? lowrate : highrate);
248
249 if (dt.year != dt0.year && rate != rate0)//这里应该有问题？
250 {
251 double p0 = rate0 / 12;
252 double paymonth0= (p0 * totalmoney * math.pow((1 + p0), n)) / ((math.pow(1 + p0, n) - 1));
253 double interest0 = balance * p0;
254 double capital0 = paymonth0 - interest0;
255
256 rate0 = rate;
257
258 interest = balance * (rate0/12);
259 totalmoney = balance;
260 balance -= capital0;
261
262 paymonth = capital0 + interest;
263 n =n0 - i+1;
264 console.writeline("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt, interest, capital0, paymonth, balance);
265 dt = dt.addmonths(1);
266 continue;
267 }
268
269
270
271 p = rate0 / 12;
272 paymonth = (p * totalmoney * math.pow((1 + p), n)) / ((math.pow(1 + p, n) - 1));
273
274 interest = balance * p;
275 capital = paymonth - interest;
276 balance -= capital;
277 console.writeline("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt, interest, capital, paymonth, balance);
278 dt = dt.addmonths(1);
279
280 }
281
282 }
283 break;
284 case "2":
285 {
286 ratechoose(dt0);
287 rate0 = (n0 <= 60 ? lowrate : highrate);
288 n = n0;
289 for (int i = 0; i < n0; i++)
290 {
291 ratechoose(dt);
292 rate = (n0 <= 60 ? lowrate : highrate);
293 if (dt.year!=dt0.year&&rate!=rate0)
294 {
295 rate0 = rate;
296 }
297 p = rate0 / 12;
298 capital = totalmoney / n0;
299 interest = balance * p;
300 paymonth = capital + interest;
301 balance -= capital;
302 console.writeline("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt, interest, capital, paymonth, balance);
303 dt = dt.addmonths(1);
304 }
305 }
306 break;
307 }
308 }
309 /// <summary>
310 ///实现提前还款功能
311 /// </summary>
312 /// <param name="n">还款总期数</param>
313 /// <param name="dt1">首次还款时间</param>
314 /// <param name="dt2">提前还款时间</param>
315 void prepayment(int n0,datetime dt1,datetime dt2,double money)
316 {
317 balance = totalmoney;
318 datetime dt0 = dt1;
319 double rate0;
320 double capital;
321 double p;
322 bool flag = false;
323 console.writeline("还款时间\t\t偿还利息\t\t偿还本金\t\t还款额\t\t剩余本金");
324 switch (choice)
325 {
326 case "1":
327 {
328 ratechoose(dt0);
329 rate0 = (n0 <= 60 ? lowrate : highrate);
330 n = n0;
331 for(int i=1;i<=n0;i++)
332 {
333 ratechoose(dt1);
334 rate = (n0 <= 60 ? lowrate : highrate);
335
336
337 if (dt1.year != dt0.year && rate != rate0)//这里应该有问题？
338 {
339 double p0 = rate0 / 12;
340 double paymonth0 = (p0 * totalmoney * math.pow((1 + p0), n)) / ((math.pow(1 + p0, n) - 1));
341 double interest0 = balance * p0;
342 double capital0 = paymonth0 - interest0;
343
344 rate0 = rate;
345
346 interest = balance * (rate0 / 12);
347 totalmoney = balance;
348 balance -= capital0;
349
350 paymonth = capital0 + interest;
351 n = n0 - i + 1;
352 console.writeline("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt1, interest, capital0, paymonth, balance);
353 dt1 = dt1.addmonths(1);
354 continue;
355 }
356
357
358
359 p = rate0 / 12;
360 if (dt2.year == dt1.year && dt2.month == dt1.month)
361 {
362 balance -= money;
363 totalmoney = balance;
364 switch (newchoice)
365 {
366 case "1":
367 {
368
369 n = n0 - i + 1;
370 flag = true;
371 }
372 break;
373 case "2":
374 {
375 double temp = math.log((paymonth / (paymonth - totalmoney * p)), (1 + p));
376 n= (int)math.ceiling(temp);
377 n0 = n + i - 1;
378 }
379 break;
380 }
381
382 }
383 paymonth = (p * totalmoney * math.pow((1 + p), n)) / ((math.pow(1 + p, n) - 1));
384
385
386 interest = balance * p;
387 capital = paymonth - interest;
388 balance -= capital;
389 if (flag)
390 {
391 paymonth += money;
392 capital += money;
393 flag = false;
394 }
395 console.writeline("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt1, interest, capital, paymonth, balance);
396 dt1 = dt1.addmonths(1);
397 }
398 }
399 break;
400 case "2":
401 {
402
403 }
404 break;
405 }
406 }
407 static void main(string[] args)
408 {
409
410 {
411 program p = new program();
412 p.paint();
413 console.writeline("请选择您的操作！1.房贷计算 2.月供速算 3.还款状况 4.提前还款");
414 console.writeline("请选择您的还款方式？1.等额本息 2.等额本金");
415 choice = console.readline();
416 console.writeline("请输入你的贷款金额");
417 totalmoney = convert.todouble(console.readline());
418 console.writeline("请输入您贷款的期数");
419 int number = convert.toint32(console.readline());
420 console.writeline("请输入你的首次贷款时间");
421 datetime dt = convert.todatetime(console.readline());
422 console.writeline("请输入你的提前还款时间");
423 datetime dtr = convert.todatetime(console.readline());
424 console.writeline("请输入你的还款金额");
425 double partmoney = convert.todouble(console.readline());
426 console.writeline("请选择你要的后续操作！1.减少月供 2.缩短年限");
427 newchoice = console.readline();
428 //console.writeline("你输入的日期是{0}，短期利率是{1}，长期利率是{2}",dt,p.lowrate,p.highrate);
429 //dt= dt.addmonths(1);
430 // console.writeline(dt);
431 // p.repayment(number, dt);
432 // p.compute(number);
433 // p.payment(dtr);
434 p.prepayment(number, dt, dtr, partmoney);
435 console.readkey();
436 }
437 }
438 }
439 }
经过两三天的修改，代码进一步完善。但是鉴于自己水平有限，代码错误之处在所难免。不足之处，希望大家提出宝贵意见，使代码进一步完善。
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